I agree. I've bought plenty of stuff online and via phone order on my credit card. Fortunately (knock on wood), having owned a visa for 5 years, I've never had to file a dispute against a company. If I ordered something wrong, I'd either return it, or if the shipping costs were too much, I just sold it off at a small loss to me.
My last return was kind of funny. I was pre-ordering Indiana Jones trilogy on dvd from amazon.com, and they had a link to another dvd site that had it listed for $15 cheaper than other places. Nowhere in the fine print did it say that this would be an order from Hong Kong, and the trilogy would be laserdisk versions ripped and burned onto DVDs.
I realized it after submitting an order, and asked if I could cancel the order. The pirated dvd set already shipped, but the guy emailed me back saying to deny the shipment, return it back across the atlantic, and he'll refund me the money. I was skeptical, because if I return it, I'm out $35 bucks including shipping, and nothing to show for it. But, I gave it a chance, and emailed him back telling him that I denied shipment (which I did). True enough, next day on my online banking statement there was a credit for the money I paid, exact refund including cost of shipping.
Props to him for excellent customer service, despite the fact that it would've been easy as pie to rip me off since I can't do anything to a guy across the world. (and no, I didn't want illegal copies of the product. I ordered the right set the next day, and now I have the official remastered trilogy at home. and it's good quality, go buy it!)
-alex